“So what do you make of bitcoin?” – question from a curious investor

Bitcoin, blockchain, initial token offerings…..yikes!  As financial headlines dedicate an increasing amount of coverage to this relatively new area, it’s left many investors scratching their heads.  What is bitcoin?  Do I need to know about this?  Am I missing out on an opportunity?   Below we present a question and answer that we hope investors might […]

“I’m nearing retirement and the stock market is at an all-time high….what should I do?”

On October 19 Fortune published an article with the headline: “30 Years after Black Monday, the Dow Hits an All-Time High”.  The article goes on to speculate: “only time will tell if we have another crash ahead of us. But in the meantime, investors seem to think that skepticism and caution may be just what we […]

Unfair or not, get ready for changes to the taxation of private corporations

“We see these approaches to managing people’s affairs through a private corporation as creating an unfair playing field……We’re trying to tighten these loopholes to make sure that it’s fair.” Doesn’t sound like taxes for small business owners are going down, does it?  The above is from federal finance minister Bill Morneau’s July 18 announcement outlining […]

It’s a tough job…somebody has to do it, just not necessarily you!

Protecting and growing your retirement nest-egg is one of your most important financial responsibilities.  Ensuring that your nest-egg is sufficient to fund your lifestyle in retirement often means putting at least part of it at risk in the stock market. Unfortunately too many people are swayed into believing that being a successful stock market investor means you have to […]

Banning Investment Commissions – moving beyond “if” towards “how”

Yesterday the Canadian Securities Administrators (CSA) released a much awaited consultation paper, “Consultation on the Option of Discontinuing Embedded Commissions”.  We say “much awaited” half tongue-in-cheek!  Much in the same way that a large number of Canadians have no idea how or how much they pay for investment products / advice, we expect even fewer are […]

The two crucial success factors that often elude investors

There are two crucial success factors that often elude investors –  the ability to save consistently and the discipline to stick with a saving and investment plan over time. Successful investing is a long-term proposition.  In the short-run financial markets are very unpredictable, gyrating to a complex and increasingly-interconnected information flow that changes by the second. […]